Hi Clients and Prospects,

If you’ve ever rented a car, you’ve probably been asked whether you want to add insurance at the counter. It can feel like an upsell, but is it actually worth it? Here’s a quick breakdown to help you decide.

🔹 Credit Card Coverage – Many credit cards offer rental car coverage if you use the card to pay. This typically covers damage and theft (not liability) and may be primary coverage, meaning you don’t have to involve your personal auto insurance. However, it may exclude luxury cars, large SUVs, and certain international rentals, so always check your card’s benefits.

🔹 Rental Company Insurance – This option is more expensive (charged daily) but often means zero hassle if something happens. With collision coverage (CDW/LDW), you can walk away without filing a claim or paying out of pocket. It’s the easiest choice if you want peace of mind.

🔹 Which One is Best? – If saving money is the priority and you don’t mind handling a claim, credit card coverage is a great option. But if you prefer a stress-free experience with no paperwork or claims process, the rental company’s coverage may be worth the extra cost.

Next time you rent a car, weigh the cost against convenience and pick what works best for you!

Have questions? I’m happy to help.

Best,

George Page

Page Insurance

www.pageins.com/blog